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We know it's pretty hectic (not to mention emotional) when you're preparing your kid to go off to college. But whether they choose an on-campus dorm room or an off-campus apartment, it's key to ensure they have sufficient financial protection for things like their belongings and personal liability.

homeowners insurance and your college student

For example, an Esurance homeowners policy extends to your student as long as he or she is enrolled full-time, was a resident of your household before leaving for college, is your relative, and is under the age of 26. The majority of home insurers follow a very similar model.

Our policies will cover your student wherever they choose to live while they're away at school — whether that's a dorm room or an off-campus condo. How's that for peace of mind?

It's important to note that some insurers will extend policy coverage to your student only if they're living in an on-campus dorm room. If they're living elsewhere, though, you may need to look into renters coverage.

what homeowners coverages extend to my student?

Personal liability

Let's say a guest is injured inside your son or daughter's dorm and wants to sue, or your kid accidentally damages school property. That's where personal liability insurance on your average homeowners insurance policy steps in to help pay for damages. It can even pay for your student's legal defense in the event of a lawsuit.

Medical payments to others

If a guest is injured in your daughter or son's dorm room, this standard homeowners insurance coverage can kick in to help pay for medical expenses and hospital bills that your offspring's responsible for.

Personal property coverage

Since your personal property insurance covers insureds' belongings anywhere in the world, it also extends to the personal property inside your student's dorm room. Should your offspring experience a covered loss like theft, vandalism, or fire, you can count on the personal property insurance on your homeowners policy to help pay for replacement of items like clothing, furniture, electronics, and more.

It's important to note, however, that there is often a limit placed on personal property insurance for belongings stored away from the home (like in a dorm or off-campus apartment) — which we'll explain in more detail in a moment.

how much is my student covered for?

Limits for homeowners coverages tend to vary by insurer. For example, many insurers extend the same personal liability limits whether your youngster is at home or away at school.

Personal property, on the other hand, is often treated a bit differently. Many home insurers, including Esurance, designate a certain percentage of your personal property insurance to cover belongings away from home.

Say you already have an Esurance policy. If your personal property coverage limit is $140,000, for example, your policy designates 10 percent of that amount to cover items away from home, and your student would have up to $14,000 in personal property protection.

A word on the structure your student lives in

You may be asking, "But what about the building, itself? What if that gets damaged?" Since the structure in which your daughter or son lives is typically insured by the school or other appropriate authority, the school's policy can step in to cover property damage expenses related to covered losses.

And as stated before — if your kid is found responsible for causing damage to school property, that's where your homeowners insurance liability coverage steps in to help pay for related expenses, including legal defense.

When it comes to homeowners coverage you can depend on, Esurance has your back. With top-quality customer service and an A+ (“Superior”) rating from A.M. Best for financial stability*, you know we'll be there for you and your student when you need us most.

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*Esurance Insurance Company and Esurance Property and Casualty Insurance Company have A+ u positive ratings. Esurance Insurance Company of New Jersey has an A rating. Ratings effective as of October 2017. Click here for a guide to A.M. Best's Credit Ratings™.

Homeowners insurance policies underwritten by Esurance are available only in certain states. Coverage and discount availability may vary by state and/or individual risk situation.

Homeowners insurance quotes, in states where Esurance homeowners insurance is not available, are provided by Answer Financial, Inc or Security First Insurance Company for FL residents. Homeowners insurance claims are processed and paid by the underwriting company. Esurance does not underwrite, provide customer service, or pay claims for any homeowners policies sold by Answer Financial or Security First Insurance Company.

This page provides a summary of typical coverages and is not meant to describe actual coverage under any individual homeowners insurance policy. Coverage for certain categories of property, like jewelry and electronics, may require that such items be specifically scheduled and subject to additional premium. Coverages, discounts, and billing options are subject to state availability, individual qualification, and/or the insuring company's underwriting guidelines. Terms, conditions, limits, and exclusions will apply. Rates are subject to change.